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China Life Insurance CoCILJF -0.67%65 3-Year Book Growth Rate is 10.90% as of Mar. 2026, which is 4% above its 10-year median of 10.45. GuruFocus rates CILJF with a GF Score™ of 65/100 and a GF Value™ of $4.07 (Fairly Valued). The stock has 1 warning sign investors should review. Among 478 Insurance companies, China Life Insurance Co ranks better than 60.04% on this metric.
During the past 12 months, China Life Insurance Co's average Book Value per Share Growth Rate was 12.30% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 10.90% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 3.80% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 5.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of China Life Insurance Co was 83.50% per year. The lowest was -10.00% per year. And the median was 10.45% per year.
China Life Insurance Co (OTCPK:CILJF) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
China Life Insurance Co 3-Year Book Growth Rate Related Terms
CILJF vs AFL, MET, PRU: 3-Year Book Growth Rate Comparison
For the Insurance - Life subindustry, China Life Insurance Co's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
China Life Insurance Co 3-Year Book Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, China Life Insurance Co's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where China Life Insurance Co's 3-Year Book Growth Rate falls into.
China Life Insurance Co 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 10.90% mean?
China Life Insurance Co (CILJF) has a 3-Year Book Growth Rate of 10.90% as of Mar. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for China Life Insurance Co and its competitors. This is near median its historical median of 10.45. According to the industry distribution chart, China Life Insurance Co ranks #191 out of 478 companies in the Insurance industry, placing it in the top 40%.
Is China Life Insurance Co's 3-Year Book Growth Rate too high?
China Life Insurance Co's current 3-Year Book Growth Rate of 10.90% is near median its 10-year median of 10.45. The Insurance industry median 3-Year Book Growth Rate is 8.40. China Life Insurance Co's value of 10.90% is 29.8% above this industry median. Based on the distribution chart, China Life Insurance Co ranks #191 out of 478 companies in the Insurance industry, which is above the industry midpoint. Overall, China Life Insurance Co has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does China Life Insurance Co's 3-Year Book Growth Rate compare to AFL and MET?
According to the Insurance industry distribution chart, China Life Insurance Co ranks #191 out of 478 companies for 3-Year Book Growth Rate. This puts China Life Insurance Co in the upper half of its industry. The industry median 3-Year Book Growth Rate is 8.40. China Life Insurance Co's value of 10.90% is 29.8% above this benchmark. While the company's 10-year median is 10.45 vs. the industry median of 8.40, China Life Insurance Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for an Insurance company?
The median 3-Year Book Growth Rate among Insurance companies is 8.40, based on 478 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. China Life Insurance Co's current 3-Year Book Growth Rate of 10.90% is 29.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for China Life Insurance Co and its competitors. For the Insurance industry, the median 3-Year Book Growth Rate is 8.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. China Life Insurance Co's current 3-Year Book Growth Rate is 10.90%, which is near median its own 10-year median of 10.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Life Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, China Life Insurance Co (CILJF) is currently considered Fairly Valued. The stock's GF Value™ is $4.07, compared to a current price of $3.73 — trading 8.5% below its estimated fair value. The current 3-Year Book Growth Rate is 10.90%, which is near median its 10-year median of 10.45 and 29.8% above the Insurance industry median of 8.40. China Life Insurance Co's overall GF Score™ is 65/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For China Life Insurance Co (CILJF), the current 3-Year Book Growth Rate is 10.90% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is China Life Insurance Co (CILJF) Overvalued in 2026?
Based on GuruFocus' analysis, China Life Insurance Co stock appears to be undervalued.
The current stock price of $3.73 is trading 8.5% below its estimated GF Value™ of $4.07.
GuruFocus considers China Life Insurance Co to be Fairly Valued.
Key valuation signals for CILJF:
3-Year Book Growth Rate: 10.90% (near median its 10-year median of 10.45)
GF Value™: $4.07 vs. price of $3.73 (8.5% below fair value)
Industry Position: 29.8% above the Insurance median (#191 of 478)
No single metric tells the full story. See the CILJF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
As the largest life insurance company in China, China Life commands about 16% market share by end-2024. The firm offers group and individual life insurance through exclusive agents, bancassurance, and other marketing platforms. While the bulk of profits stem from life insurance policies, additional operations include short-term policies such as accident and health insurance. The company is focusing on building a senior-care ecosystem and reforming a new agent team for long-term growth.
65GF Score
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